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Part of the Check Into Cash chain · locations
Check Into Cash in Colorado Springs, CO
Colorado Springs Check Into Cash at 3659-36 Austin Bluffs Pkwy provides fast payday and title loans to local residents.
Data compiled from public sources · Rating from CreditDoc methodology
Check Into Cash Review
Located at 3659-36 Austin Bluffs Parkway in Colorado Springs, this Check Into Cash storefront is a standalone location serving the area with quick access to emergency cash solutions. The storefront is designed for walk-in customers seeking immediate financial assistance.
At this Colorado Springs location, you can apply for payday loans, title loans, and other short-term lending products. Call +1 719-598-8579 to discuss your options or visit the Austin Bluffs storefront in person to complete your application.
If you're a Colorado Springs resident facing an unexpected expense or cash emergency, this Austin Bluffs location offers a quick alternative to traditional bank loans. Bring your ID, proof of income, and banking information to speed up the process. Check Into Cash serves Colorado Springs, CO with flexible lending options for all borrowers.
Services & Features
Bill Pay
Check Cashing
Flex Line of Credit (revolving credit within limit)
Green Dot Visa Debit Cards
In-person loan applications at physical locations
Installment Loans (larger amounts, extended repayment terms)
Money Orders
Online loan applications
Payday Loans (up to $600)
Tax Preparation Services
Title Loans (using vehicle titles as collateral)
Western Union Money Transfer
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash funding available if approved in-store
- Multiple loan products (payday, title, installment, flex line) addressing different emergency levels
- Extended weekday hours (8am-7pm Friday, 9am-7pm other weekdays) accommodating working schedules
- Physical location allows in-person application and relationship building versus online-only lenders
- Bundled services (check cashing, bill pay, Western Union, tax prep) reduce need for multiple providers
- 30-year operational history suggests company stability and experience
- No explicit mention of credit score requirements, potentially accessible to those with poor credit
Cons
- APRs, fees, and total repayment costs not disclosed on website; requires in-person visit or phone call for pricing
- Title loans risk vehicle repossession if repayment terms are not met
- Payday loan structure creates debt traps for consumers unable to repay on next paycheck and forced to roll over
- No mention of debt counseling, budgeting resources, or alternatives to high-cost borrowing
- Physical-location-only model excludes online-only customers and those without nearby branches
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Check Into Cash legitimate?
Yes. Check Into Cash is a registered company, headquartered in 3659-36 Austin Bluffs Pkwy, Colorado Springs, CO 80918.
Quick Facts
- Headquarters
- 3659-36 Austin Bluffs Pkwy, Colorado Springs, CO 80918
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Check Into Cash
Check Into Cash is best for consumers in genuine financial emergencies who have stable income, access to a physical location, and can repay within the loan term. The critical caveat is that pricing (APR, fees, repayment schedule) is not transparent on the website; borrowers must contact the company directly or visit in person to understand true costs before committing, as payday and title loans can carry triple-digit APRs and create rollover debt cycles if not carefully managed.
CFPB Transparency Report
Public data from the Consumer Financial Protection Bureau
- Issues Resolved
- 100%
- Timely Responses
- 100%
Source: consumerfinance.gov | Last checked 2026-04-24
Best For
- Consumers facing genuine emergencies (medical, car repair, eviction) needing funds within 24 hours
- Underbanked individuals without access to credit cards or traditional bank loans who have income to repay
- Borrowers with vehicle equity seeking short-term cash at competitive rates versus credit cards
- Customers needing bundled financial services (check cashing + lending) in one location
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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